Liquidity Financing
Working capital for your busiest weeks.
Short-cycle working capital for payroll, float, stock or vendor payments.
- Inflows arrive
- Domiciled account
- Your business
One charge per trade. No property collateral.
Liquidity Financing, step by step.
- 01
Tell us the need
Share the short-term requirement, whether payroll, agent float, stock or vendor payments, and the inflows that will repay it.
- 02
We structure the cycle
We review the business and its incoming payments, then agree a short tenor and a price for this cycle.
- 03
Repay from inflows
Funds are released within days, and repayment comes from your incoming payments through the domiciled account.
A technology company's agent network
The network needs extra float during a peak sales week. We fund the float for that short cycle, and it is repaid as the week's collections come in.
- Fintechs and telcos running agent and merchant networks
- E-commerce and logistics firms with vendor payment cycles
- Large industries smoothing payroll and stock purchases
Funded for the cycle. Repaid from the week's inflows.
Priced per trade, by negotiation.
A bank prices the facility. We price the trade, and the trade itself is the security.
How each trade is priced.
There is one charge per trade, agreed with you before funding, based on these factors.
Tenor of the trade
How long the money is out before the trade settles.
Speed of repayment
How quickly the buyer is expected to pay into the domiciled account.
Buyer or offtaker strength
The standing and payment record of the company paying for the goods.
Track record and security
Your history of completed trades and any additional security offered.
Derisking clarity
How clearly the documents and payment flow tie the trade to its repayment.
No fixed rates. All pricing is subject to negotiation and the derisking clarity of each transaction.
From application to first trade funding.
Onboard once, then fund trade after trade on the same rails.
- 01
Eligibility
A registered company with an established trading history, verified through CAC.
- 02
KYB
CAC documents, TIN, directors, shareholders and recent bank statements.
- 03
KYC
BVN or NIN and ID for directors and ultimate beneficial owners, plus AML screening.
- 04
Domiciliation
Open or domicile an account with our partner bank for all payments and repayments.
- 05
Trade review
We verify the invoice or purchase order and the buyer, and negotiate terms per trade.
- 06
Funding
Funds are released within days, and your buyer pays into the domiciled account.
No collateral needed. An irrevocable payment instruction on the domiciled account means your buyer's payment repays the trade automatically.
Ready to talk about liquidity financing?
Tell us about your buyers and your trade cycle, and we will walk you through onboarding and pricing.
XchangeBOX Capital Limited is licensed by the Securities and Exchange Commission (SEC), Nigeria, as a Crowdfunding Intermediation Platform. Investor funds are held with a licensed custodian or trustee. Returns are not guaranteed, and all financing and pricing are subject to credit approval, negotiation and the derisking clarity of each transaction.